One-stop shopping system and method

ABSTRACT

A system and method are disclosed for one-stop shopping for health-care services and related needs. The one-stop shopping system and method provide objective information for the system enrollee to assess and decide on health-care insurance and services. The system and method provide this objective information in a way that is easily accessible by system enrollees in an economical and rapid manner.

RELATED APPLICATIONS

This application is a continuation of U.S. patent application Ser. No.11/877,601, U.S. Pat. No. 7,818,189, entitled One-Stop Shopping Systemand Method, filed Oct. 23, 2007, now U.S. Pat. No. 7,818,189, whichclaims the benefit under 35 U.S.C. §119(e) of U.S. Provisional PatentApplication Ser. No. 60/854,847, filed Oct. 27, 2006, and entitled OneStop Shopping System, both incorporated by reference herein in theirentirety.

FIELD OF THE INVENTION

The present invention relates to systems and methods that are used forproviding information with regard to health-care, health-care relatedservices, and health insurance.

BACKGROUND OF THE INVENTION

Consumer Driven Health Care (CDHC) policies have been developed foremployees of companies, individuals and groups (collectively “Insureds”)for obtaining health-care services in a manner that the underwritinginsurers can be assured that these Insureds are obtaining economicallyreasonable health-care services and not needlessly overpaying for them.Typically, these policies contain a high-deductible. Thus, they requirethe Insureds to obtain quotes from more than one service provider toobtain the best value. However, many Insureds have found it verydifficult to find the needed health-care information.

To meet the needs of the growing number of Insureds that are covered bydefined contribution approaches or CDHC policies, insurers haveincreased the amount of information that is available on web-basedtools. These web-based tools provide the Insureds with quicklyaccessible information that they can use for obtaining and evaluatinghealth insurance policies, health-care providers, and relatedhealth-care services. The information that these insurers provide may beslanted beneficially on behalf of the insurers because they can controlthe amount and content of the information that is posted on theseweb-based tools. Accordingly, the Insureds have no assurance that theinformation is objective and consider their interests.

There are a number of reasons why the Insureds should not feel anycomfort in the information that is provided by the insurers. One is thatthe insurers are unlikely to provide information that conflicts withtheir business interests, namely to maximize the return to theirinvestors and minimize the amount paid out in claims. Therefore,information made available to the Insureds from insurer controlledweb-based tools should not be felt to be particularly reliable from theInsureds' of view. As such, the Insureds must take actions to verify theinformation that is insurer provided. One such course of action when theinformation is mistrusted is to obtain a second opinion. Another actionis to do extensive research when an enrollee feels that theinsurer-provided information is simply not enough for the Insured tomake a decision based on such information.

Insureds would prefer to have needed information available from a numberof independent sources so that they can make judicious comparisons ofhealth insurance policies, health-care providers, and relatedhealth-care services, and the costs and/or prices associated with eachof them. In the past, the sources of such information were not in anytype of central depository where it could be readily obtained andcompared. All that was available to the Insureds were pieces ofinformation at disparate locations, which had to be somehow found andamassed to assist them to make health-care decisions. Therefore, unlessthe Insureds had a great deal of time and resources, integrated,relevant, and timely information was essentially unavailable to helpthem make health-care decisions. Noting this, it is highly desirable forthere to be a single system that will make needed health-careinformation readily available from neutral third party sources to assistthe Insureds in making health-care decisions in an economically andjudicious manner.

SUMMARY OF THE INVENTION

The present invention is a system and method for providing one-stopshopping, among other things, for health-care services. It is understoodthat the preferred embodiment of the present invention is for providingone-stop shopping for health-care services but the present invention maybe used for one-stop shopping of other services and still be within thescope of the present invention.

With regard to the one-stop shopping system of the present invention,health-care information is provided from objective third party sourcesso that system enrollees may be readily provided with the necessaryinformation to make health-care decisions. This information may be forboth the health-care and non-health-care needs of the system enrollee.For example, the non-health-care information may be directed to legalassistance information associated with the administration of health-carerelated matters.

The system and method of the present invention may be embodied in acomputer-based system through which an enrollee would be able to obtainobjective information on a number of health-care and non-health-carematters. The computer-based system includes an Application ServiceProvider (ASP). This information may include, but not be limited to, thefollowing topics:

1. Legal assistance

2. Tracking personal health-care

3. Choosing a health insurance policy

4. Managing a health savings account

5. Maximizing health

6. The siding and selecting medical treatments

7. Selecting doctors, hospitals, and other medical care providers

8. Second opinions

9. Rating medical care providers and insurers

10. Obtaining prices of medical care providers and pharmaceuticals

11. Interacting with insurers

The preferred components of the system and method of the presentinvention include enrollee operated units, the ASP for controlling theflow of information for the one-stop shopping system, and remoteinformation sources for providing objective third-party information tothe system enrollees. The system and method of the present invention maybe implemented using a wireless or wired communications network.

The system enrollees, through the enrollee operated units, are able toaccess the ASP for inputting and receiving information. The ASP mayinclude a control unit, a system unit that will be used by the systemoperator, and a number of system databases that are used for storinginformation that is input by the enrollee or retrieved based on enrolleerequests.

The ASP may be connected to streaming or other data feeds to providecurrent information in response to enrollee requests. The ASP may alsobe connected to an external database that contains the health-carerecords of the enrollee. Further, the ASP may be connected to anexternal database that includes economic data relating to an enrollee.Even further, the ASP may be connected to an external database thatincludes information related to an enrollee's health savings account.

The system and method of the present invention, as just described, willenable the enrollee to readily obtain objective information in regard tohealth insurance policies, health-care providers, health-care servicesand health-care related information so that the system enrollee can makereasoned decisions about his/her health-care needs through one system.

An object of the present invention is to provided system and method thatwill readily provide easily accessible information that a systemenrollee can use for making economical and judicious health-caredecisions.

Another object of the present invention to provide a system and methodthat will allow system enrollees to have a single location through whichthey may timely obtain in depth information for use in making economicaland judicious health-care decisions.

These and other objects of the invention will be explained in greaterdetail in the remainder specification with references to the drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 shows a schematic block drawing of the preferred embodimentsystem of the present invention.

FIG. 2 shows a schematic block drawing of an embodiment of theinformation exchange with respect to the system and method of thepresent invention shown in FIG. 1 between the enrollee, third parties,service providers, insurers, and others.

DETAILED DESCRIPTION OF THE INVENTION

The present invention is a system and method for one-stop shopping forhealth-care services and related needs. The one-stop shopping system andmethod of the present invention provide objective information to asystem enrollee. The present invention provides this objectiveinformation in a way that is easily accessible by system enrollees in aneconomically and rapid manner.

FIG. 1, generally at 100, shows a schematic block diagram of thepreferred embodiment of the system and method of the present invention.The main element of the one-stop shopping system of the presentinvention is shown generally at 102. At 102 is an ASP that includescontrol unit 104 that controls the operation of the one-stop shoppingsystem. In communication with control unit 104 is system unit 106 thatis also part of the ASP. System unit 106 is operated by the systemoperator. System unit 106 is used for inputting data to the system andsystem databases. System unit 106 also may be used for controlling theoperation of control unit 104.

System databases 108 connect to control unit 104 of ASP 102. Systemdatabases 108 will consist of a plurality of databases that are used forstoring health-care information that an enrollee may request. Typically,the information that is stored in system databases 108 includesinformation that is retrieved based on enrollee requests. When changesto this information or additional information is to be stored in systemdatabases 108, these databases will be appropriately updated. An exampleof information that may be stored in one of the system databasesincludes information about health-care providers in the enrollee's area.

Communications to and from ASP 102 may be through a wired or wirelessnetwork, as shown at 110. The wired network could be a local areanetwork (LAN), municipal area network (MAN), wide area network (WAN), oran intranet. The wireless network could be the Internet or the WorldWide Web. Each of these communications networks, both wired andwireless, are within the scope of the present invention.

Enrollee operated units for the one-stop shopping system of the presentinvention are shown at 112, 114, and 116. These units include personalcomputers, personal digital assistants, cellular telephones, or othersimilar devices capable of communicating with the ASP electronically orotherwise. The three enrollee operated units are meant to therepresentative of any number of enrollee operated units that access ASP102. Each enrollee operated unit may be used, for example, to input datathat will be used to retrieve information that is stored in systemdatabases or external databases. The enrollee operated units also may beused for inputting data for storage either in system databases 108 orexternal databases. The information that is retrieved by the enrollee atthe enrollee operated units may be on a variety of topics with respectto the enrollee's health insurance policy, health-care providers, andhealth-care services needs.

Again referring to FIG. 1, there is a large amount of data that theenrollee may retrieve and store in the system databases shown at 108.The information at remote locations that may be accessed by the enrolleethrough ASP 102 includes streaming and other data at 118, enrolleehealth-care data at 120, enrollee health savings account data at 121,and economic data at 122. Although, there are only four types of datasources shown, it is understood that there may be more or less than fourtypes of data sources and still be within the scope of the presentinvention.

Referring to data source 118, titled “Streaming or Other Data,” theinformation provided from this data source includes information thattypically changes rapidly. The data that is available from data source118 may include the latest medical treatment data for diseases and othermedical conditions, information about health-care service providers,current pricing data for specific health-care services, information oninsurers, for example, relating to coverage, legal information as itapplies to health-care providers, insurers, and others, information oninsurance policies, e.g., comparisons of current information on policiesfrom various insurers or different policies by one insurer, andfinancial data with respect to the insurance industry.

The “Streaming or Other Data” that has just been discussed is only anexample of the streaming or other data that may be available to theenrollee through the ASP; it being understood that more or lessinformation than is listed may be available through this informationdata source and still be within the scope of the present invention.

Referring to data source 120, titled “Enrollee Health Care Data,” theinformation provided through this data source may be medical informationwith regard to the enrollee that may be stored at a remote location,e.g., an electronic medical record or computerized medical record.Typically, the information from this data source could only be retrievedif authorized by the enrollee. However, a physician or hospital wouldhave access to the electronic medical record for inputting data to itwithout requesting to do so from the enrollee. Moreover, it could be thecase that the physician and/or hospital would have a right to retrieveinformation from electronic record without requesting to do so from theenrollee. Information that is stored in an electronic medical record mayinclude health-care information about a specific enrollee or informationabout the enrollee's medical provider.

The “Enrollee Health Care Data” that has just been discussed is only anexample of the data that may be available to the enrollee through theASP relating to the enrollee health; it being understood that more orless information may be available through this information data sourceand still be within the scope of the present invention.

Referring to data source 121 titled “Enrollee Health Savings AccountData,” the information provided through this data source may includeinformation related to funds invested, funds used, and the return ofunused fund balances with regard to enrollee health savings accounts.The information that is provided from this data source may only beavailable if authorized by the enrollee. However, the institution thatholds enrollee health savings account would have the right to access theaccount for inputting data to it without requesting to do so from theenrollee.

The “Enrollee Health Savings Account Data” that has just been discussedis only an example of the health savings account data that may beavailable to the enrollee through the ASP; it being understood that moreor less information may be available through this information datasource and still be within the scope of the present invention.

Referring to data source 122 titled, “Economic Data,” the informationprovided through this data source may include insurance data relating tothe enrollee or specific insurance data with respect to the enrollee'sinsurer, or data relating personal expenditures by the enrollee withregard to his/her health care. The insurance data may include insuranceclaim data with respect to the enrollee. The personal expenditure datamay, for example, refer to amounts that the enrollee actually paid fortreatment. The information that is provided from this data source mayonly be available if authorized by the enrollee. However, it isunderstood, for example, that some economic data sources relating toenrollee insurance and insurance policies may have their accesscontrolled by the enrollee and/or the insurance policy underwriter andstill be within the scope of the present invention.

The “Economic Data” that has just been discussed is only an example ofthe economic data that may be available to the enrollee through the ASP;it being understood that more or less information may be availablethrough this information data source and still be within the scope ofthe present invention.

As discussed in the Summary of the Invention, information that may beavailable to the enrollee through the one-stop shopping system of thepresent invention may include the following:

1. Legal assistance

2. Tracking personal health-care

3. Choosing a health insurance policy

4. Managing a health savings account

5. Maximizing health

6. Selecting medical treatments

7. Selecting doctors, hospitals, and other medical care providers

8. Second opinions

9. Rating medical care providers and insurers

10. Obtaining prices of medical care providers and pharmaceuticals

11. Interacting with insurers

In greater detail, the legal assistance information that may be providedwould include information on possible class actions or other types oflegal activities taking place that may impact the enrollee.

Tracking of enrollee's personal health-care information may beinformation accessed in the enrollee's electronic medical record. Inaccessing this information, enrollee can ensure that such informationcontained in the electronic medical record is accurate at all times.

Information that may be available for the enrollee that relates toselecting a health insurance policy may include information from a datasource such as the eBenefits web site. This information may includecomparative information on health insurance policies sufficient for theenrollee to make an informed decision on the policy to select.

An enrollee's management of his/her health savings account may includeinformation about the actual amounts in a health savings account. Morespecifically, through the system of the present invention, an enrolleecan view his/her account, for example, at Fidelity Investments to knowthe status of the account including that the account is being properlycharged for health-care services.

The enrollee also can use the one-stop shopping system of the presentinvention to maximize his/her health. This may be carried out by usingthe system to obtain information on possible health risks and trackhealth information, for example, that is associated with a new drug orthe susceptibility of certain individuals to adverse affects with regardto certain treatments.

According to the above, an enrollee can be provided sufficientinformation to assess and select appropriate treatments for specificmedical conditions. This could include treatments in the form of therapyfor a particular condition. It could also provide locations whereappropriate medical treatment can be provided for the enrollee'sspecific condition.

One of the principal areas of information to be provided to an enrolleeby the one-stop shopping system of the present invention is informationrelating to the selection of high-quality doctors, hospitals, and otherhealth-care providers. This will not only include the names of gooddoctors, hospitals, and other health-care providers but will providein-depth information about these entities so that the enrollee canbetter judge whether a particular health-care provider would be good forhim/her.

An enrollee also will be provided information that will permit him/herto obtain as many opinions as he/she may desire with respect to aspecific medical condition of that enrollee. This can be very importantto the enrollee in situations where he/she feels very uncomfortable withthe first opinion that was obtained. Moreover, it will provide anability to obtain these further opinions without placing the enrollee inthe uncomfortable position of needing to seek recommendations for thesefurther opinions from the person who provided the initial opinion.

There are a number of information data sources that provide informationrelating to ratings of health insurance policies, health-care providers,and health-care services. However, this information is not usuallyaccessible at a single convenient location. The one-stop shopping systemof the present invention will provide such rating information to theenrollee. This rating information may not only be helpful to enrolleesbut also to health-care providers and insurers.

Another principal area of the one-stop shopping system of the presentinvention is providing enrollees with information directed to prices forhealth-care services from health-care providers and for pharmaceuticals.The information that may be available would be prices for comparablehealth-care services in specific areas of medical practice and forpharmaceuticals, such as drugs and their generics. This information maybe helpful to the enrollee in obtaining insurance coverage for theirparticular condition for which insurance coverage is sought includinginformation about available generics.

The one-stop shopping system of the present invention also providesinformation to the enrollee regarding dealing with specific insurers.For example, it may provide information on what insurers require by wayof documentation before reimbursements will be paid. Accordingly, usingthe present invention, the enrollee can obtain information on variousinsurers in order to promptly obtain reimbursement for charges. Anexample is a household where a husband and wife are both employed by twoseparate companies that provide insurance coverage for them. The twoinsurance companies may have specific procedures to be followed forobtaining reimbursement by this couple. Additionally, the data sourcemay provide information relating to enrollee satisfaction with differentinsurers and insurance policies.

FIG. 2, generally at 200, shows a schematic block diagram of an exampleof information that may be exchanged using the one-stop shopping systemof the present invention. The exchange of information is betweenenrollee operated units 112, 114, or 116; control unit 104 of ASP 102;the system operator through system unit 106; system databases 108;remote sites such as data source 118 for streaming and other data; datasource 120 for enrollee health-care data; data source 121 for enrolleehealth savings account data; and data source 122 for economic andpersonal expenditure data.

Referring again to FIG. 2, generally at 202, a view of the informationexchange from the standpoint of ASP 102 is shown. Control unit 104 willcontrol the processing information for the one-stop shopping system ofthe present invention. This information will be distributed amongenrollees, insurers, third parties, health-care providers, and others.The dynamic exchange of information is predicated on the requests thatare provided by the enrollee through enrollee operated units 112, 114,and 116.

As shown in FIG. 2, there are four general areas for which informationis exchanged. These are selecting health insurance 204, medical recordsinformation 206, information associated with the enrollee being sick(person sick) at 208, and non-health-care related assistance 210.

Taking first selecting health insurance 204, the enrollee would beprovided information at 212 regarding the best policy values for themoney that the enrollee is willing to pay from, for example, retrievedfrom streaming or other data source 118 and stored in system databases108. The information provided at 212 would be policies from variousinsurance providers so that the enrollee can make an initial choice.Based on this information, the enrollee selects a policy at 214. Inselecting the policy, the enrollee will consider economic issues such asshown at 216. For example, if the deductible were high, the enrolleewould be given advice with respect to investment options on savingsrelated to these accounts. Once the policy is selected, the enrolleewill then be prepared to retrieve information should there be a need tomake a claim against the insurance policy.

Referring to sick person at 208, when an enrollee become sick, theone-stop shopping system of the present invention is used to provideassistance in finding the appropriate treatment for the enrollee andproper reimbursement based on the selected insurance policy. It isunderstood that there are a number of things that need to take placewith respect to potential reimbursement for expenses for the enrolleeand other non-medical issues; however, the first item is to find adiagnosis and proper treatment for the enrollee's condition. To arriveat the appropriate treatment, it is necessary to understand what optionsthe enrollee will have the respect to his/her insurance coverage. Forexample, if the potential costs for treatment for the enrollee would be$3000 for one medical service provider and $2000 for another equallycapable service provider and the enrollee's reimbursable ceiling underhis/her insurance policy is $2000, then it will be appropriate for theenrollee to select the latter service provider unless that enrolleewishes to pay $1000 out of pocket. Therefore, before a treatment isselected, information about the enrollee's insurance claims data must beconsidered. The information that is retrieved for this consideration maybe from the streaming or other data source 118 that is directed toinformation from health-care providers and health-care sources. Theretrieved information may be stored in system databases 108.

The electronic medical record at 206 is the permanent record of themedical information about the enrollee. As indicated above, access tosuch electronic medical record information is typically only availablewhen authorized by the enrollee. Information retrieved from anelectronic medical record that may be stored in system databases 108 maybe used for a number of things. It may be exchanged with an insurancepolicy underwriter for purposes of making an insurance claim or it maybe used in determining the appropriate treatment advice.

Should it become necessary for an enrollee to make an insurance claim,it will be necessary for that enrollee to provide insurance claim dataat 218. Advice on the insurance claims data is generated through boxes220 and 222. At 220, the enrollee is provided advice on how to obtainpersonal medical data, for example, from the electronic medical record.At 222, the enrollee through his/her enrollee operated unit enters theappropriate information that has been received from the advice at 220.This information forms of the insurance claims data at 218.

After the insurance claims data is determined at 218 based oninformation from the enrollee's electronic medical record, theelectronic medical record is analyzed at 224 to determine the possibletreatment options that are available for the enrollee's particularcondition. This analysis may be carried out based on informationretrieved from streaming or other data source 118. Once this analysis iscomplete, then treatment advice is provided at 226. Typically, thistreatment will be within the reimbursable parameters of the insuranceclaims data that is provided at 218. This advice may include treatmentinformation and/or self-care options, the best care products andhealth-care service providers, second and third opinions if needed, andthe price of the particular recommended treatments.

The advice that is given at 226 also will include non-health-careinformation at 210. For example, information provided at 228 may beinformation about prices for particular health-care providers, drugs,and other health-care supplies, e.g., wheelchair rental.

The advice at 226 may be accompanied by negotiating advice at 230. Thisinformation may be how to negotiate the best prices from certainhealth-care providers or negotiating extensions of coverage withinsurers.

The advice at 226 also may be supplemented with the advice at 232. Thisadvice may include when and how the enrollee should involve the legalsystem with regard to obtaining his/her rightful insurance coverage oractions against third parties with respect to the care given or thecauses of the harm to the enrollee.

The information exchange that is shown in FIG. 2 is directed to apreferred embodiment of information exchange that may take place withrespect to the one-stop shopping system of the present invention. Aswould be understood by a person of ordinary skill in the art, althoughthe present invention is directed to one-stop shopping to the obtainhealth-care information and advice, the one-stop shopping system of thepresent invention would apply to other areas that are not related tohealth-care and still be within the scope of the present invention.

The terms and expressions that are used herein are meant for descriptionnot limitation, it being recognized that there may be minor changes ormodifications that must take place and be within the scope of thepresent invention.

1. A single-integrated system for a system enrollee to obtainrequest-based information for taking remedial-based action, comprising:at least one enrollee operated unit for an enrollee to input informationto the single-integrated system and requests for information relating tohealth-care for which remedial action is desired, and for receivingretrieved information with regard to health-care for which remedialaction is desired; a control means for processing and controlling a flowof enrollee requests and retrieved information, with such retrievedinformation being related at least to health-care for which remedialaction is desired; a first set of data sources that contain rapidlychanging content including at least medical treatment information, withthe first set of data sources being capable of providing retrievedmedical treatment information in response to enrollee requests that is acurrent, up to date version of such medical treatment information at atime an enrollee request accesses at least one of the first set of datasources; a second set of data sources that contain enrollee specificinformation, with such second set of data sources having accessibilitycontrolled by the enrollee for purposes of inputting information to andretrieving enrollee specific information from such second set of datasources; a third set of data sources that contain enrollee and at leastone third party information including at least enrollee insuranceinformation, with the enrollee and at least one third party controllingaccessibility for purposes of inputting information to and retrievinginformation from such third set of data sources, and with the retrievedenrollee insurance information being used to determine a besthealth-care treatment for the enrollee according to insurance coveragelimits; and a communications network for connecting the control means tothe at least one enrollee operated unit, the first set of data sources,the second set of data sources, and the third set of data sources. 2.The system as recited in claim 1, wherein the control mean includes anApplication Service Provider (ASP).
 3. The system as recited in claim 2,wherein the communications network includes a wireless network.
 4. Thesystem as recited in claim 3, wherein the wireless network includes theInternet.
 5. The system as recited in claim 3, wherein the wirelessnetwork includes a World Wide Web.
 6. The system as recited in claim 2,wherein the communications network includes a wired network.
 7. Thesystem as recited in claim 2, wherein the ASP further includes a controlunit for processing and controlling the flow of enrollee requests andretrieved information, with such retrieved information being related atleast to health-care for which remedial action is desired, a system unitfor controlling operation of the ASP, and at least one system databasefor storing information input thereto by the enrollee and retrievedinformation from the first set of data sources, second set of datasources, or third set of data sources.
 8. The system as recited in claim2, wherein information from the first set of data sources includesstreaming data information.
 9. The system as recited in claim 2, whereininformation from the second set of data sources includes electronicmedical record information.
 10. The system as recited in claim 2,wherein information from the second set of data sources includesenrollee economic information.
 11. The system as recited in claim 2,wherein information from the second set of data sources includesenrollee health savings account information.
 12. A method for anenrollee to obtain request-based information for taking remedial-basedaction, comprising the steps of: (a) the enrollee determininghealth-care for which remedial action is desired and generating at leastone request for transmission to a single-integrated system for obtainingrequested information; (b) the single-integrated system processing theat least one request and controlling the transmission of the request, ifneeded, to a first set of data sources containing rapidly changingcontent including at least medical treatment information, with the firstset of data sources being capable of providing retrieved medicaltreatment information in response to the enrollee request that is acurrent, up to date version of medical treatment information at a timethe enrollee request accesses at least one of the first set of datasources, with the single-integrated system retrieving information fromat least one of the first data sources based on the at least oneenrollee request and storing the retrieved information in a storagemeans; (c) the single-integrated system processing the at least onerequest and controlling the transmission of the request, if needed, to asecond set of data sources that contain enrollee specific information,with such second set of data sources having accessibility controlled bythe enrollee for purposes of inputting information to and retrievingenrollee specific information from such second set of data sources, withthe single-integrated system retrieving information from at least one ofthe second data sources based on the at least one enrollee request andstoring the retrieved information in the storage means; (d) thesingle-integrated system processing the at least one request andcontrolling the transmission of the request, if needed, to a third setof data sources that contain enrollee and at least one third-partyinformation including at least enrollee insurance information, with theenrollee and at least one third party controlling accessibility forpurposes of inputting information and retrieving information from suchthird set of data sources, with the retrieved enrollee insuranceinformation being used to determine a best health-care treatment for theenrollee according to insurance coverage limits, and with thesingle-integrated system retrieving information from at least one of thethird data sources based on the at least one enrollee request andstoring the retrieved information in the storage means; (e) the enrolleeaccessing the storage means for retrieving retrieved information fromthe first set of data sources, second set of data sources, and/or thirdset of data sources, and taking a remedial action based on the retrievedinformation.
 13. The method as recited in claim 12, wherein thesingle-integrated system includes a control means and the control meansincludes an Application Service Provider (ASP).
 14. The method asrecited in claim 13, wherein communications among the enrollee and thefirst set of data sources, second set of data sources, and/or third setof data sources, through the ASP includes wireless communications. 15.The method as recited in claim 13, wherein communications among theenrollee and the first set of data sources, second set of data sources,and/or third set of data sources, through the ASP includes wiredcommunications.
 16. The method as recited in claim 13, wherein storingin storing means includes storing in system databases.
 17. The method asrecited in claim 13, wherein retrieving information from the first setof data sources includes retrieving streaming data information.
 18. Themethod as recited in claim 13, wherein retrieving information from thesecond set of data sources includes retrieving electronic medical recordinformation.
 19. The method as recited in claim 13, wherein receivinginformation from the second set of data sources includes retrievingenrollee economic information.
 20. The method as recited in claim 13,wherein retrieving information from the second set of data sourcesincludes retrieving enrollee health savings account information.